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£160 charges for £7 over overdraft

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Hey people.my dilemma:

i recently ran over my overdraft limit by £7 i then got £80 worth of charges 22 days later - which i did not know i was due to get:

£20 - clearing an unauthorised overdraft fee

£30 - clearing visa payment

£30 - clearing visa payment


So because i did not realise i was getting £80 it took me once again over my overdraft limit. I then rang up and they said they would start an investigation and told me there would be a further £80 taken out of my account - because of running over this time with their charges.. so now i am going to have £160 deducted in 2 lots of charges of £80 merely for going over my overdraft limit by £7. I am disgusted. They have refused to refund my charges this time as they have refunded them before as a ''good will gesture''. I have found a great letter online:



You have charged me for £80 on the 15th April 2007, i have since then found out that a further £80 will be deducted around the 6th May 2007. It has come to my attention that this is unlawful at common law, and under statute and recent consumer regulations.

In the terms of the contract which you agreed to at the time that I opened my account, it is implied that you will conduct yourselves in a manner which complies with UK law.

Unless you can prove that they merely cover your administrative costs, I require full repayment of these charges, which I calculate at £80 plus the removal of the £80 that is yet to go on my account in May. I also ask you to remove any default notices on my credit record that are related to any previous charges. A correction or amendment to the entries is not acceptable.

If you do not comply fully within 14 days, I shall begin a claim against you for the full amount, plus interest and costs, plus I shall submit a complaint to the Information Commissioner.

Yours faithfully


but do not know whether to send this as i dont know what i would do if they refused the money again - i couldnt afford to go to court just for £160 but i dont want them to get away with this! HELP!! :(:eek:

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Hi Kellie,

Welcome to the forum.


Please find your banks forum and start a thread;

(your user name) V (banks name)

Other members with experiance of your bank can offer informed advide.

use the template letters in order. Stick to the timetable in there.

please take time to read the faq's




Templates Library....

If you have charges going back further than six years read in here;


There is also live chat, visit if you need any quick advice.


Finally good Luck.



If my advice helps please tip the scales, left.

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Guest ChloeJane

Great letter Kelly and a good find!


Kelly send it off and see what happens.


You have made it very clear your stand and I think it will do the trick!


If not, then don't be afraid of the costs etc or the process in filing against them.


Come back into chat any time you are unsure!


Off to the post office and send it ! Well done and you have shown this much innitiative and courage so far to fight back, so am sure you will be fine!


Will look out for your thread!

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